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up another 3 pts

Frequent Contributor

up another 3 pts

Must be my lucky time! 37 pts on equifax, 34 on transunion, down one on experian :-(

 

 

The addition of the six cards I got this yr have really helped!


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$83,300 total card credit FICO Equifax-803, FICO Transunion-791, FICO Experian-771 , DTI-3.4%
Message 1 of 14
13 REPLIES
Frequent Contributor

Re: up another 3 pts

and 22 for walmart fico!


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$83,300 total card credit FICO Equifax-803, FICO Transunion-791, FICO Experian-771 , DTI-3.4%
Message 2 of 14
Valued Member

Re: up another 3 pts

You added 6 inquiries in 1 year and that helped your scores?


Starting FICO EQ Score: 597
Current FICO EQ Score: 664
Goal FICO EQ Score: 750


Take the myFICO Fitness Challenge
Message 3 of 14
Super Contributor

Re: up another 3 pts


Steelersboy wrote:

Must be my lucky time! 37 pts on equifax, 34 on transunion, down one on experian :-(

 

 

The addition of the six cards I got this yr have really helped!


Congarts 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 14
Moderator Emerita

Re: up another 3 pts

Looking good!

And it's possible to have a score increase if OPs util was lowered
Message 5 of 14
Frequent Contributor

Re: up another 3 pts


klondike wrote:

You added 6 inquiries in 1 year and that helped your scores?


lexy hit the nail on the head


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$83,300 total card credit FICO Equifax-803, FICO Transunion-791, FICO Experian-771 , DTI-3.4%
Message 6 of 14
Valued Member

Re: up another 3 pts

Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.


Starting FICO EQ Score: 597
Current FICO EQ Score: 664
Goal FICO EQ Score: 750


Take the myFICO Fitness Challenge
Message 7 of 14
Highlighted
Moderator Emerita

Re: up another 3 pts

@klondike

There are various reasons why a person decides to add cc's to their portfolio. Responsible credit management to me is being able to pay your debts on time, live within your means and app for cc's you need.
Message 8 of 14
Frequent Contributor

Re: up another 3 pts


klondike wrote:

Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.


help me understand how it doesnt

 

I have no collections, pay all bills on time, and never max out my cards. I didnt have much for revolving credit. again, show me how it doesnt


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$83,300 total card credit FICO Equifax-803, FICO Transunion-791, FICO Experian-771 , DTI-3.4%
Message 9 of 14
Super Contributor

Re: up another 3 pts


klondike wrote:

Help me understand how adding 6 inquiries in 1 year, regardless of util shows responsible credit management.


I add 5-7 a year for different purposes

0% 

Gas incentives (current 2% when my Discover isn't getting 5%)

Food incentives (current 2% Looking at two now that gives 3% or 6%)

points structures cash back and travel miles

Signup bonuses (current 41,000 + pts)

 

There's 5 different reasons and I pay no interest on any cards 

As of August CC's have paid me 300.00+ in cash back and 4 months left in the year

I have cards that I will redeem points for gift cards come December for Christmas gifts 

So if you really take a good look at it they're paying me to use their cards and next year CCC may have other cards that suit me better...

(responsible credit management)Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 14